China Life Insurance Releases Top 10 Claims Cases for 2025, with Average Compensation Exceeding 26 Million Yuan

Recently, China Life Insurance Company Limited (hereinafter referred to as “China Life,” stock code: 601628.SH, 2628.HK) announced its top ten claim cases for 2025. Over the past year, the company responded quickly and processed more than 60 million claims, with a total payout exceeding 100 billion yuan. Among these, the top ten claims had the highest payout of 47.96 million yuan, with an average payout per case of over 26 million yuan. These cases covered major risks such as malignant tumors, cardiovascular and cerebrovascular diseases, respiratory diseases, and accidents, demonstrating the vital role of insurance in improving the social security system through real-life examples.

Case 1: Disease Takes Life, Insurance Builds the Final Shield (Payout: 47.96 million yuan)

Mr. A has a solid financial foundation and risk awareness. Since 2013, he has purchased 10 policies including China Life Xinyu Jinsheng Whole Life Insurance and China Life Xinzun Bao Whole Life Insurance (Universal Type) (A version). In July 2024, Mr. A tragically passed away due to metastatic lung adenocarcinoma. After receiving the claim application from his family, the company promptly fulfilled its promise and paid a death benefit of 47.96 million yuan.

Insight: Lung cancer has the highest mortality rate among cancers in China. The 2022 China Malignant Tumor Burden Report by the National Cancer Center shows that lung cancer accounts for 26.1% of cancer deaths, meaning over 1 in 4 cancer deaths is due to lung cancer. Mr. A’s high payout reflects his long-term insurance investments providing financial security for his family when risks materialize.

Case 2: 24 Years of Protection, Building a Warm Home (Payout: 33.42 million yuan)

Mr. B started purchasing insurance in 2001, including 11 policies such as China Life 99 Hongfu Whole Life Insurance and China Life Xinyu Jinsheng Whole Life Insurance. In June 2025, Mr. B unfortunately passed away due to illness. In July 2025, his family submitted a claim, and the company quickly paid a total of 33.42 million yuan to his family.

Insight: Insurance is an extension of love and responsibility. Preparing a policy for loved ones and oneself is like building a sturdy shelter against future storms, giving us the courage to face adversity with confidence.

Case 3: A Decade of Foresight, Supporting Family Stability with Planning (Payout: 30.23 million yuan)

Ms. C has a strong risk awareness. Since her retirement in 2015, she purchased three products including China Life Xinfu Annual Pension Annuity, China Life Xinfu Annual Annuity, and China Life Xin Account Whole Life Insurance (Universal) (Diamond Edition). In November 2025, Ms. C suddenly experienced severe abdominal pain and, after rescue efforts failed, was diagnosed with extensive pulmonary embolism. The company processed her claim promptly and paid 30.23 million yuan in death benefits to her family.

Insight: The 2025 Guidelines for Diagnosis and Treatment of Acute Pulmonary Embolism indicate it is the third leading cause of death after myocardial infarction and stroke. Facing unpredictable emergencies, insurance is more than a contract; it’s a financial commitment that provides protection for families.

Case 4: Sudden Illness, Love Continues with Insurance (Payout: 27.18 million yuan)

Mr. D has a strong risk awareness. Since 2022, he purchased policies including China Life Xinzun Bao Whole Life Insurance (Universal Type) (C version) and China Life Zhenxiang Chuanjia Whole Life Insurance. In March 2025, Mr. D passed away due to stomach cancer. After receiving the claim, the company paid 27.18 million yuan promptly.

Insight: The 2025 Digestive Tract Tumor White Paper projects 485,000 new stomach cancer cases in China in 2025 (43% of global new cases), with a male-to-female incidence ratio of 2.3:1. Regular health check-ups and cancer screenings can detect issues early, and appropriate insurance arrangements provide essential protection.

Case 5: Forty-Seven Policies, 23 Years of Guardianship, a Heavy Commitment (Payout: 26.11 million yuan)

Mr. E, a long-time China Life customer with strong risk awareness, purchased 47 policies from 2003 to 2025, including Conning Whole Life Insurance and China Life Xinxing Future Whole Life Insurance, gradually building a comprehensive protection plan. In April 2025, during leukemia treatment, he suffered a secondary cerebral hemorrhage and unfortunately passed away. His family submitted a claim, and the company paid 26.11 million yuan in death benefits.

Insight: High coverage is not achieved overnight; it results from clear risk awareness and long-term planning that adjusts over life stages. Continuous review and enhancement—such as increasing coverage (“increment”) and diversifying products (“expansion”)—are key to strengthening family financial defenses.

Case 6: Proactive Planning, Building a Fortress of Care (Payout: 21.31 million yuan)

Ms. F, a long-time China Life customer since 2013, purchased policies including China Life Gold Account Annuity (Universal) (Luxury Edition) and China Life Fulu Xin Zun Whole Life Insurance (Dividend Type). In December 2025, after a seven-year battle with breast cancer, she passed away. The company quickly paid 21.31 million yuan after receiving her family’s claim.

Insight: According to the National Cancer Center, the 5-year survival rate for breast cancer in China has risen to 83.2%, and is expected to exceed 90% by 2030 with advances in precision medicine. Scientific prevention and treatment are crucial, and proper insurance arrangements are a strong safeguard.

Case 7: Comprehensive Coverage, Prepared for Sudden Risks (Payout: 20.49 million yuan)

Ms. G, a business leader and long-time China Life customer since 2002, had multiple policies including Conning Whole Life Insurance, creating a comprehensive insurance barrier. In July 2025, she died suddenly from cardiac arrest. Her family submitted a claim, and the company paid 20.49 million yuan promptly.

Insight: The White Paper on Epidemiology of Young and Middle-aged Sudden Cardiac Death shows 46.2% of cases occur in ages 18-45. Regular ECG screening, CPR skills training, and diversified insurance coverage can reduce risks and support families during emergencies.

Case 8: Long-term Stable Coverage, Scientific Risk Transfer (Payout: 19.82 million yuan)

Mr. H, a China Life client, purchased multiple policies from 2006 to 2015, including Millennium Wealth Management and Conning Whole Life Insurance. In October 2024, he died from esophageal cancer. The company responded swiftly, paying 19.82 million yuan.

Insight: The crude mortality rate for esophageal cancer is 15.17 per 100,000, ranking 4th among all cancers, accounting for 10.2% of cancer deaths. Long-term insurance is a scientific way to transfer risk, providing timely financial support when extreme risks occur.

Case 9: Early Planning, Protecting Loved Ones (Payout: 19.09 million yuan)

Entrepreneur Mr. I began purchasing policies in 2015, including China Life Xinxin Pension and China Life Xinyang Oriental Annuity. In November 2024, he suddenly died of a heart attack at home. His family submitted a claim, and the company paid 19.09 million yuan promptly, fulfilling its promise.

Insight: The China Cardiovascular Disease Report states over 544,000 annual deaths from sudden cardiac death, over 50% of cardiovascular deaths, roughly 1,500 per day. Early insurance planning creates a protective net for families, and timely claims are the most gentle armor for loved ones.

Case 10: Unpredictable Accidents, Promises Provide Shelter (Payout: 18.33 million yuan)

Mr. J, a long-time China Life policyholder since 2015, held multiple policies including dividend and whole life insurance. In June 2025, he tragically drowned. The company processed his claim quickly, paying 18.33 million yuan, honoring its commitment.

Insight: Life is unpredictable, and accidents can happen suddenly. High-value policies are more than contracts—they are serious commitments and proactive plans that, when accidents occur, provide families with essential financial protection, maintaining stability and dignity.

Life is uncertain; protection is constant. From critical illness to accidents, from middle age to silver years, these cases reaffirm that insurance is not just a contract but a source of resilience, love, and hope. China Life adheres to the customer-centric service philosophy, fulfilling its promise through efficient claims, strengthening safety for millions of families, and ensuring protection is always present.